11 Best 0% APR Credit Cards Of April 2024

While the Citi Rewards+® Card has a competitive 0% intro APR offer, its rewards potential is lower than some of the other cards on this list. Still, it could be worth considering for the ultra-dedicated ThankYou® Points maximizers who want to boost their earnings on small purchases.

Intro APR offer: 0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. An intro balance transfer fee of either 3% of each transfer or a minimum amount of $5 within the first 4 months of account opening applies. After that, the amount of each balance transfer will be 5% of each transfer (minimum $5) applies.

Rewards: Earn 2 ThankYou Points per dollar at supermarkets and gas stations for the first $6,000 in spending per year and 1 ThankYou Point per dollar on other eligible purchases, plus 5 ThankYou® Points per dollar on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

Welcome offer: Earn 20,000 bonus points after spending $1,500 in purchases within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

Annual fee: $0

Balance transfer fee: 5% of each balance transfer; $5 minimum after 4 months of account opening.

Other benefits and drawbacks: Citi rounds your points up to the nearest ten points on every purchase, so a $2 purchase is rounded up to 10 points and a $14 purchase is rounded up to 20 points. You’ll also receive a 10% bonus on the first 100,000 points redeemed each year. That means when you redeem 10,000 points, you’ll be given 1,000 additional ThankYou points. Like other cards on this list, the Citi Rewards+® Card charges a foreign transaction fee.

The Citi Custom Cash® Card may not be the first card you consider, but it does have a unique rewards-earning structure and a solid intro APR period. Unfortunately, the monthly cap on elevated earnings limits the card’s ability to pack a punch.

Intro APR offer: 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 19.24% - 29.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum.

Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.

Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.

Annual fee: $0

Balance transfer fee: 5% of each balance transfer; $5 minimum.

Other benefits and drawbacks: The Citi Custom Cash® Card charges foreign transaction fees. Outside of unlocking the ability to purchase tickets on Citi Entertainment, this card doesn’t offer much in the way of additional benefits.

Like the Chase Freedom Flex℠*, the Discover it® Cash Back offers rotating quarterly 5% categories (up to $1,500 per quarter, activation required) that typically have wide appeal. Past examples of eligible spending categories include supermarkets, gas stations and warehouse clubs. That gives this card staying power beyond its intro APR offer on purchases and balance transfers.

Intro APR offer: 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 17.24% - 28.24% variable applies. A balance transfer fee of up to 5% of the amount transferred applies.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Welcome offer: Discover will automatically match all the cash back earned at the end of the first year as a cardmember. There's no minimum spending or maximum rewards.

Annual fee: $0

Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

Other benefits and drawbacks: Like several other cards with rotating categories, Discover doesn’t disclose the year’s bonus categories all at once but rather one at a time before each proceeding quarter. The Discover it® Cash Back card caps 5% earnings at $1,500 spend per quarter. If you’re likely to regularly exceed the quarterly maximums, another card might yield better returns.

Those who don’t like annual fees or extra gimmicks may be satisfied with the Capital One VentureOne Rewards Credit Card (rates & fees). On top of its flat-rate rewards, the card gets additional value from the myriad of extra benefits that come standard on most Capital One cards.

Intro APR offer: 0% intro APR on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you.

Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on every other purchase.

Welcome offer: Earn 20,000 miles after spending $500 on purchases within 3 months from account opening, equal to $200 in travel.

Annual fee: $0

Balance transfer fee: Balance transfer fee applies.

Other benefits and drawbacks: The VentureOne isn’t quite as rewarding as its beefier cousins that charge annual fees, the Capital One Venture Rewards Credit Card (rates & fees) or the Capital One Venture X Rewards Credit Card (rates & fees). Still, it offers the ability to transfer miles to qualifying partner hotel and airline programs, doesn’t charge foreign transaction fees (rates & fees) and offers extended warranty, travel assistance services and auto rental insurance.

The Chase Freedom Flex℠* has the brawn to handle just about all of your credit card spending needs without an annual fee.

Intro APR offer: 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.

Rewards: Earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

Annual fee: $0

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Other benefits and drawbacks: Keep in mind that you’ll need to activate the 5% cash-back categories each quarter and the year’s bonus categories aren’t set in advance which can make it challenging to plan ahead. Additionally, the 5% earnings rate is capped at the first $1,500 spent each quarter. The card offers purchase protection, extended warranty protection, trip cancellation/interruption coverage, cellphone protection and an auto rental collision damage waiver.

The Amex EveryDay® Preferred Credit Card* is a great entry to the Membership Rewards® ecosystem for cardholders in need of 0% APR and who don’t mind paying an annual fee.

Intro APR offer: 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months from the date of account opening, followed by a regular APR of 18.24% - 28.24% variable. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater applies.

Rewards: Earn 3 points per dollar at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point per dollar), 2 points per dollar on U.S. gas stations and eligible travel purchases like prepaid hotel stays, vacation packages and cruises booked through AmexTravel.com and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 15,000 Membership Rewards points after spending $2,000 in purchases in the first 6 months of account opening.

Annual fee: $95

Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Other benefits and drawbacks: Membership Rewards points can be transferred to a variety of travel partner programs, which can potentially give you outsized value for your rewards. Cardholders can also benefit from car rental loss and damage insurance, return protection and access to Amex Offers. However, if your primary interest in the card is its 0% intro APR offer, the shorter term on this card compared to some of the others on this list is a downside.

The Bank of America® Customized Cash Rewards credit card offers an opportunity to earn 3% on your chosen category and online shopping is one of the options. That’s a nice earnings opportunity for people who prefer to shop from home.

Intro APR offer: 0% introductory APR for 15 billing cycles for purchases and balance transfers, 18.24% - 28.24% variable APR applies thereafter. Intro rate applies for any balance transfers made in the first 60 days; balance transfer fee of 3% applies to each transfer during this period, then 4%.

Rewards: Earn 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Balance transfer fee: 3% for 60 days from account opening, then 4%.

Other benefits and drawbacks: The biggest disappointment on this card is the rewards cap of $2,500 in combined spending on the 3% and 2% categories. If your spending at grocery stores and/or wholesale clubs is high, this could seriously cut into your 3% earning before the end of each quarter. Beyond the 0% intro APR and a moderate welcome bonus, the other features of this card don’t impress. But if Bank of America is your primary bank and you’re a Preferred Rewards member, you’ll get a 25% to 75% earnings bonus which can make the card a lot more rewarding.

The U.S. Bank Cash+® Visa Signature® Card isn’t the best at a lot of things, but it’s a great option for those looking for an introductory APR offer and who want to earn targeted rewards.

Intro APR offer: 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard APR of 19.49% - 29.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening.

Rewards: Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases.

Welcome offer: Earn a $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.

Annual fee: $0

Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Other benefits and drawbacks: Earning in the highest rewards categories is capped at a combined spend of $2,000 per quarter, which may be disappointing if you have some big purchases coming up in a qualifying category. The card charges a foreign transaction fee, so it’s not a good choice for those who plan to travel abroad.

With high earnings on several popular spending categories and no rewards caps, the Capital One SavorOne Cash Rewards Credit Card (rates & fees) has a lot to offer even beyond its introductory APR.

Intro APR offer: 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you.

Rewards: Earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases.

Welcome offer: Earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.

Annual fee: $0

Balance transfer fee: Balance transfer fee applies.

Other benefits and drawbacks: You’ll get access to a few standard Capital One card benefits including Capital One Entertainment. With no foreign transaction fees and travel accident insurance, this is a solid option for international travel.  And shoppers will appreciate that this card provides extended warranty protection. Since the extra cash-back categories are unlimited, this could be a smart card to pair with one that has bonus caps.

The Chase Freedom Unlimited® has powerful points-earning potential. This all-around workhorse of a card notches solid rewards and additional benefits all without an annual fee.

Intro APR offer: 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Welcome offer: Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back.

Annual fee: $0

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Other benefits and drawbacks: Rewards are earned as Chase Ultimate Rewards® and can be redeemed for straight cash back, travel, merchandise or pooled with another premium Chase Ultimate Rewards®-earning card for potentially greater value when redeemed for travel.

If you’re in need of a 0% intro APR card but also want to earn hassle-free, flat-rate cash back, the Wells Fargo Active Cash® Card is worth a look.

Intro APR offer: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

Rewards: Earn 2% cash rewards on purchases.

Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Annual fee: $0

Balance transfer fee: up to 5%, min: $5.

Other benefits and drawbacks: The Wells Fargo Active Cash® Card also offers cellphone protection of up to $600 when you pay your monthly cellphone bill with the card (subject to a $25 deductible) (Terms apply).

The Amex EveryDay® Credit Card* charges no annual fee and it earns respectable Membership Rewards, which are transferable to airline and hotel partners.

Intro APR offer: 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% - 29.24% variable. A balance transfer fee of $5 or 3%, whichever is greater, applies.

Rewards: Earn 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases.

Welcome offer: Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening.

Annual fee: $0

Balance Transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Other benefits and drawbacks: The card comes with secondary car rental coverage and global assistance services, a nice set of features for a card with no annual fee. But since other cards offer higher earning rates on grocery purchases and all other spending, this card is best for someone who’s specifically looking to earn Membership Rewards without paying an annual fee.